Homeowners insurance is the source of a great amount of litigation. These policies have very word-specific provisions and clauses which seem to cover you, but in fact do not. For example, when the policy says there is no coverage for “reasonable wear and tear”, it usually means that there is no coverage for roof and window leaks or washing machine floods when your home is more than 5 years old. When the policy says that there is no coverage for “design flaws”, that means if the architect of your home (or model of home) built a threshold or roof flashing which misdirects wind or water, or a foundation which does not resist sinking when the ground settles, that means the insurer may deny coverage. Insurance policies routinely exclude occurrences such as mold and sinkholes.